Michigan Bankruptcy

The following page provides Michigan bankruptcy information and resources.

If you are not looking for information regarding Michigan, please use the links on the left to find information for your state.

Bankruptcy Courts - Location and Contact Information

Michigan bankruptcy courts are divided into two districts, which are further divided into several divisions. Generally, the debtor’s county of residence will determine which district and division the bankruptcy petition is filed. It may also be determined by the location of the debtor’s principal place of business or principal assets.


Counties of Jurisdiction:

Bay City Division - Alcona, Alpena, Arenac, Bay, Cheboygan, Clare, Crawford, Gladwin, Gratiot, Huron, Iosco, Isabella, Midland, Montmorency, Ogemaw, Oscoda, Otsego, Presque Isle, Roscommon, Saginaw and Tuscola Counties

Detroit Division - Jackson, Lenawee, Macomb, Monroe, Oakland, St. Clair, Sanilac, Washtenaw and Wayne Counties

Flint Division - Genesee, Lapeer, Livingston and Shiawassee Counties

Bay City
U.S. Bankruptcy Court
111 First Street
Bay City, MI 48708

Same (989) 894-8840
U.S. Bankruptcy Court
211 West Fort Street
Detroit, MI 48226

Same (313) 234-0065
U.S. Bankruptcy Court
226 West Second Street
Flint, MI 48502


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Counties of Jurisdiction:

Grand Rapids Division - Counties located in the Lower Peninsula

Marquette Division - Counties located in the Upper Peninsula

Grand Rapids
U.S. Bankruptcy Court
Gerald R. Ford Federal Bldg.
110 Michigan, N.W.
Grand Rapids, MI 49503

U.S. Bankruptcy Court
PO Box 3310
Grand Rapids, MI 49501
(616) 456-2693
U.S. Bankruptcy Court
U.S. Post Office
202 West Washington St.
3rd Floor
Marquette, MI 49855
U.S. Bankruptcy Court
PO Box 909
Marquette, MI 49855
(906) 226-2117

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Michigan Bankruptcy Laws and Exemptions

Michigan Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

Michigan bankruptcy law allows residents to exempt property using either federal exemptions or state exemptions.

Contact a Michigan bankruptcy lawyer for more information regarding Michigan bankruptcy exemptions.

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Michigan Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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Michigan Credit Counseling and Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Michigan must:

1. take a credit counseling course from an approved Michigan credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Michigan debtor education agency prior to receiving a bankruptcy discharge.

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Michigan Personal Bankruptcy Attorneys

To find bankruptcy attorneys in your area, you may want to contact your local county bar association or the State Bar of Michigan:

State Bar of Michigan
Michael Franck Building
306 Townsend Street
Lansing, Michigan 48933-2012
(517) 346-6300
Toll Free (800) 968-1442

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See the State Bar of Michigan Legal Aid page for a list of organizations that provide legal services to low income clients in Michigan.

If you are concerned about the representation provided to you by a Michigan bankruptcy attorney, contact the Attorney Grievance Commission for the State of Michigan.

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Resources for Michigan Bankruptcy Laws

U.S. Bankruptcy Court for the Eastern District of Michigan - administrative and procedural information for Eastern District of Michigan bankruptcy filings

U.S. Bankruptcy Court for the Western District of Michigan - administrative and procedural information for Western District of Michigan bankruptcy filings

Office of the U.S. Trustee for Region 9 - oversees the administration of Michigan personal bankruptcy cases and case trustees

State Bar of Michigan - information about the Michigan bar, membership, ethics, continuing legal education, and resources for the public.

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